Westfield Bank, Fsb
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Westfield Bank, Fsb 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Westfield Bank, Fsb Two Park Circle Westfield Center, OH 44251 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 689 |
| Total Mortgage Loan Application Amount | $138,223,000 |
| Average Mortgage Loan Application Amount | $231,333 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $100,333 |
| Highest Applicant Income | $1,575,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Westfield Bank, Fsb. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Westfield Bank, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Westfield Bank, Fsb's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Westfield Bank, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Westfield Bank, Fsb, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Westfield Bank, Fsb's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Medina County Ohio | 148 | $ 38,041,000 | $ 257,000 | $ 109,000 |
| Summit County Ohio | 101 | $ 27,494,000 | $ 272,000 | $ 129,000 |
| Stark County Ohio | 79 | $ 20,310,000 | $ 257,000 | $ 114,000 |
| Cuyahoga County Ohio | 46 | $ 20,003,000 | $ 434,000 | $ 154,000 |
| Lorain County Ohio | 13 | $ 3,361,000 | $ 258,000 | $ 100,000 |
| Wayne County Ohio | 12 | $ 2,577,000 | $ 214,000 | $ 86,000 |
| Whitley County Kentucky | 11 | $ 755,000 | $ 68,000 | $ 59,000 |
| Erie County Pennsylvania | 7 | $ 316,000 | $ 45,000 | $ 34,000 |
| Geauga County Ohio | 6 | $ 1,787,000 | $ 297,000 | $ 126,000 |
| Portage County Ohio | 6 | $ 1,198,000 | $ 199,000 | $ 100,000 |
| Lawrence County Pennsylvania | 6 | $ 269,000 | $ 44,000 | $ 37,000 |
| Adair County Kentucky | 5 | $ 250,000 | $ 50,000 | $ 34,000 |
| Clinton County Kentucky | 5 | $ 195,000 | $ 39,000 | $ 72,000 |
| Laurel County Kentucky | 5 | $ 213,000 | $ 42,000 | $ 28,000 |
| Pike County Kentucky | 5 | $ 353,000 | $ 70,000 | $ 55,000 |
| Richland County Ohio | 5 | $ 473,000 | $ 94,000 | $ 92,000 |
| Bedford County Pennsylvania | 5 | $ 265,000 | $ 53,000 | $ 46,000 |
| Lancaster County Pennsylvania | 5 | $ 315,000 | $ 63,000 | $ 44,000 |
| Floyd County Kentucky | 4 | $ 317,000 | $ 79,000 | $ 84,000 |
| McCreary County Kentucky | 4 | $ 155,000 | $ 38,000 | $ 27,000 |
| Lake County Ohio | 4 | $ 1,055,000 | $ 263,000 | $ 87,000 |
| Beaver County Pennsylvania | 4 | $ 245,000 | $ 61,000 | $ 73,000 |
| Bucks County Pennsylvania | 4 | $ 297,000 | $ 74,000 | $ 58,000 |
| Clarion County Pennsylvania | 4 | $ 253,000 | $ 63,000 | $ 87,000 |
| York County Pennsylvania | 4 | $ 207,000 | $ 51,000 | $ 43,000 |
| Monongalia County West Virginia | 4 | $ 171,000 | $ 42,000 | $ 38,000 |
| Casey County Kentucky | 3 | $ 142,000 | $ 47,000 | $ 47,000 |
| Clay County Kentucky | 3 | $ 103,000 | $ 34,000 | $ 53,000 |
| Greenup County Kentucky | 3 | $ 117,000 | $ 39,000 | $ 39,000 |
| Knott County Kentucky | 3 | $ 90,000 | $ 30,000 | $ 49,000 |
| Knox County Kentucky | 3 | $ 183,000 | $ 61,000 | $ 33,000 |
| Letcher County Kentucky | 3 | $ 210,000 | $ 70,000 | $ 52,000 |
| Muhlenberg County Kentucky | 3 | $ 116,000 | $ 38,000 | $ 40,000 |
| Perry County Kentucky | 3 | $ 209,000 | $ 69,000 | $ 52,000 |
| Rowan County Kentucky | 3 | $ 152,000 | $ 50,000 | $ 57,000 |
| Erie County Ohio | 3 | $ 1,193,000 | $ 397,000 | $ 221,000 |
| Huron County Ohio | 3 | $ 275,000 | $ 91,000 | $ 50,000 |
| Adams County Pennsylvania | 3 | $ 152,000 | $ 50,000 | $ 54,000 |
| Franklin County Pennsylvania | 3 | $ 147,000 | $ 49,000 | $ 42,000 |
| Greene County Pennsylvania | 3 | $ 90,000 | $ 30,000 | $ 81,000 |
| Maury County Tennessee | 3 | $ 243,000 | $ 81,000 | $ 36,000 |
| Pickett County Tennessee | 3 | $ 124,000 | $ 41,000 | $ 57,000 |
| Lee County Florida | 2 | $ 676,000 | $ 338,000 | $ 423,000 |
| Carroll County Kentucky | 2 | $ 135,000 | $ 67,000 | $ 64,000 |
| Christian County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 42,000 |
| Fleming County Kentucky | 2 | $ 187,000 | $ 93,000 | $ 45,000 |
| Henderson County Kentucky | 2 | $ 154,000 | $ 77,000 | $ 35,000 |
| Hopkins County Kentucky | 2 | $ 104,000 | $ 52,000 | $ 29,000 |
| Johnson County Kentucky | 2 | $ 93,000 | $ 46,000 | $ 48,000 |
| Leslie County Kentucky | 2 | $ 51,000 | $ 25,000 | $ 28,000 |
| Rockcastle County Kentucky | 2 | $ 95,000 | $ 47,000 | $ 36,000 |
| Russell County Kentucky | 2 | $ 98,000 | $ 49,000 | $ 36,000 |
| Webster County Kentucky | 2 | $ 105,000 | $ 52,000 | $ 60,000 |
| Carroll County Ohio | 2 | $ 359,000 | $ 179,000 | $ 606,000 |
| Franklin County Ohio | 2 | $ 787,000 | $ 393,000 | $ 184,000 |
| Lawrence County Ohio | 2 | $ 116,000 | $ 58,000 | $ 50,000 |
| Mahoning County Ohio | 2 | $ 99,000 | $ 49,000 | $ 45,000 |
| Scioto County Ohio | 2 | $ 108,000 | $ 54,000 | $ 30,000 |
| Armstrong County Pennsylvania | 2 | $ 58,000 | $ 29,000 | $ 67,000 |
| Cumberland County Pennsylvania | 2 | $ 111,000 | $ 55,000 | $ 40,000 |
| Mifflin County Pennsylvania | 2 | $ 111,000 | $ 55,000 | $ 28,000 |
| Somerset County Pennsylvania | 2 | $ 122,000 | $ 61,000 | $ 67,000 |
| Washington County Pennsylvania | 2 | $ 155,000 | $ 77,000 | $ 40,000 |
| Carroll County Tennessee | 2 | $ 118,000 | $ 59,000 | $ 27,000 |
| Claiborne County Tennessee | 2 | $ 103,000 | $ 51,000 | $ 54,000 |
| Giles County Tennessee | 2 | $ 149,000 | $ 74,000 | $ 40,000 |
| Houston County Tennessee | 2 | $ 169,000 | $ 84,000 | $ 89,000 |
| Montgomery County Tennessee | 2 | $ 108,000 | $ 54,000 | $ 22,000 |
| Rutherford County Tennessee | 2 | $ 184,000 | $ 92,000 | $ 54,000 |
| Stewart County Tennessee | 2 | $ 175,000 | $ 87,000 | $ 33,000 |
| Sullivan County Tennessee | 2 | $ 48,000 | $ 24,000 | $ 34,000 |
| Sumner County Tennessee | 2 | $ 398,000 | $ 199,000 | $ 64,000 |
| Maricopa County Arizona | 1 | $ 424,000 | $ 424,000 | $ 555,000 |
| Grand County Colorado | 1 | $ 384,000 | $ 384,000 | $ 228,000 |
| Brevard County Florida | 1 | $ 301,000 | $ 301,000 | $ 248,000 |
| Marion County Florida | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Gwinnett County Georgia | 1 | $ 251,000 | $ 251,000 | $ 130,000 |
| DuPage County Illinois | 1 | $ 303,000 | $ 303,000 | $ 206,000 |
| Elkhart County Indiana | 1 | $ 151,000 | $ 151,000 | $ 49,000 |
| Barren County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| Boyd County Kentucky | 1 | $ 29,000 | $ 29,000 | $ 21,000 |
| Garrard County Kentucky | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Graves County Kentucky | 1 | $ 92,000 | $ 92,000 | $ 65,000 |
| Henry County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 96,000 |
| Lewis County Kentucky | 1 | $ 41,000 | $ 41,000 | $ 30,000 |
| Magoffin County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Marshall County Kentucky | 1 | $ 123,000 | $ 123,000 | $ 52,000 |
| Martin County Kentucky | 1 | $ 73,000 | $ 73,000 | $ 67,000 |
| McLean County Kentucky | 1 | $ 58,000 | $ 58,000 | $ 65,000 |
| Owen County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Pendleton County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 93,000 |
| Pulaski County Kentucky | 1 | $ 73,000 | $ 73,000 | $ 42,000 |
| Scott County Kentucky | 1 | $ 72,000 | $ 72,000 | $ 66,000 |
| Todd County Kentucky | 1 | $ 70,000 | $ 70,000 | $ 79,000 |
| Warren County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 39,000 |
| Wayne County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Oakland County Michigan | 1 | $ 275,000 | $ 275,000 | $ 203,000 |
| Chautauqua County New York | 1 | $ 417,000 | $ 417,000 | $ 315,000 |
| Ashtabula County Ohio | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Butler County Ohio | 1 | $ 220,000 | $ 220,000 | $ 118,000 |
| Columbiana County Ohio | 1 | $ 59,000 | $ 59,000 | $ 45,000 |
| Delaware County Ohio | 1 | $ 309,000 | $ 309,000 | $ 181,000 |
| Greene County Ohio | 1 | $ 286,000 | $ 286,000 | $ 121,000 |
| Hamilton County Ohio | 1 | $ 76,000 | $ 76,000 | $ 43,000 |
| Holmes County Ohio | 1 | $ 360,000 | $ 360,000 | $ 730,000 |
| Knox County Ohio | 1 | $ 57,000 | $ 57,000 | $ 40,000 |
| Monroe County Ohio | 1 | $ 54,000 | $ 54,000 | $ 21,000 |
| Ottawa County Ohio | 1 | $ 110,000 | $ 110,000 | $ 71,000 |
| Tuscarawas County Ohio | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 69,000 |
| Blair County Pennsylvania | 1 | $ 31,000 | $ 31,000 | $ 23,000 |
| Butler County Pennsylvania | 1 | $ 28,000 | $ 28,000 | $ 38,000 |
| Cambria County Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 23,000 |
| Carbon County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Chester County Pennsylvania | 1 | $ 59,000 | $ 59,000 | $ 79,000 |
| Crawford County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 36,000 |
| Dauphin County Pennsylvania | 1 | $ 37,000 | $ 37,000 | $ 56,000 |
| Fayette County Pennsylvania | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| Huntingdon County Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 33,000 |
| Indiana County Pennsylvania | 1 | $ 87,000 | $ 87,000 | $ 35,000 |
| Mercer County Pennsylvania | 1 | $ 61,000 | $ 61,000 | $ 37,000 |
| Montgomery County Pennsylvania | 1 | $ 86,000 | $ 86,000 | $ 95,000 |
| Schuylkill County Pennsylvania | 1 | $ 20,000 | $ 20,000 | $ 36,000 |
| Warren County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Georgetown County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 81,000 |
| Bedford County Tennessee | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| Benton County Tennessee | 1 | $ 113,000 | $ 113,000 | $ 79,000 |
| Campbell County Tennessee | 1 | $ 28,000 | $ 28,000 | $ 56,000 |
| Chester County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 70,000 |
| Davidson County Tennessee | 1 | $ 147,000 | $ 147,000 | $ 76,000 |
| Dickson County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 95,000 |
| Gibson County Tennessee | 1 | $ 123,000 | $ 123,000 | $ 76,000 |
| Grainger County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 92,000 |
| Grundy County Tennessee | 1 | $ 47,000 | $ 47,000 | $ 68,000 |
| Hawkins County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| Henry County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 137,000 |
| Hickman County Tennessee | 1 | $ 51,000 | $ 51,000 | $ 101,000 |
| Humphreys County Tennessee | 1 | $ 27,000 | $ 27,000 | $ 43,000 |
| Lawrence County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 113,000 |
| Lewis County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Lincoln County Tennessee | 1 | $ 87,000 | $ 87,000 | $ 62,000 |
| Marshall County Tennessee | 1 | $ 126,000 | $ 126,000 | $ 35,000 |
| Meigs County Tennessee | 1 | $ 34,000 | $ 34,000 | $ 44,000 |
| Overton County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 21,000 |
| Scott County Tennessee | 1 | $ 71,000 | $ 71,000 | $ 83,000 |
| Washington County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 97,000 |
| Brooke County West Virginia | 1 | $ 34,000 | $ 34,000 | $ 53,000 |
| Lewis County West Virginia | 1 | $ 82,000 | $ 82,000 | $ 42,000 |
| Marion County West Virginia | 1 | $ 60,000 | $ 60,000 | $ 33,000 |
| Mineral County West Virginia | 1 | $ 46,000 | $ 46,000 | $ 82,000 |
| Ohio County West Virginia | 1 | $ 71,000 | $ 71,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Westfield Bank, Fsb in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 531 | $94,550,000 | $178,000 | $2,480,000 | $96,000 | $1,575,000 |
| Refinancing | 109 | $33,298,000 | $305,000 | $3,736,000 | $127,000 | $951,000 |
| Home Improvement | 49 | $10,375,000 | $211,000 | $4,500,000 | $78,000 | $730,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 622 | $104,196,000 | $167,000 | $1,300,000 | $105,000 | $1,575,000 |
| Not applicable | 33 | $28,545,000 | $865,000 | $4,500,000 | $0 | $0 |
| Not Provided | 21 | $4,641,000 | $221,000 | $625,000 | $104,000 | $190,000 |
| Black or African American | 4 | $385,000 | $96,000 | $185,000 | $23,000 | $44,000 |
| Hispanic | 3 | $75,000 | $25,000 | $50,000 | $64,000 | $70,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $159,000 | $79,000 | $128,000 | $117,000 | $194,000 |
| American Indian or Alaskan Native | 2 | $33,000 | $16,000 | $21,000 | $35,000 | $44,000 |
| Asian | 2 | $189,000 | $94,000 | $160,000 | $19,000 | $39,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 689 | $138,223,000 | $200,000 | $4,500,000 | $99,000 | $1,575,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 375 | $102,185,000 | $272,000 | $4,500,000 | $131,000 | $1,575,000 |
| Loan Purchased By The Institution | 248 | $14,484,000 | $58,000 | $147,000 | $50,000 | $211,000 |
| Application Withdrawn By Applicant | 24 | $8,108,000 | $337,000 | $1,300,000 | $129,000 | $420,000 |
| Application Denied By Financial Institution | 22 | $5,118,000 | $232,000 | $900,000 | $64,000 | $250,000 |
| Application Approved But Not Accepted | 20 | $8,328,000 | $416,000 | $3,200,000 | $114,000 | $550,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 12 | $2,640,000 | $220,000 | $900,000 | $26,000 | $88,000 |
| Collateral | 6 | $1,673,000 | $278,000 | $485,000 | $117,000 | $188,000 |
| Credit History | 3 | $551,000 | $183,000 | $390,000 | $129,000 | $250,000 |
| Other | 1 | $254,000 | $254,000 | $254,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Westfield Bank, Fsb's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Westfield Bank, Fsb's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.